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Credit Cards AmBank Credit Card V2, Free for life card, PPL access with T&C

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tan_aniki
post Sep 29 2017, 08:51 PM

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QUOTE(fruitie @ Sep 29 2017, 08:48 PM)
If I can recall, Premier cards like VI and WMC will use Poslaju.
Yes, AmBank will charge and waive, funny though they promote free AF for life. laugh.gif
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yala, didn't see the AF RM688 for VI in the product disclosure sheet as well
kenny79
post Sep 29 2017, 10:06 PM

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I'm holding a VI planing to apply the WMC
tan_aniki
post Sep 29 2017, 10:51 PM

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QUOTE(kenny79 @ Sep 29 2017, 10:06 PM)
I'm holding a VI planing to apply the WMC
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i'm wondering if getting WMC as well and supp both to my wife, does it mean i can enter PPL in HK for my 2 kids as well?
fruitie
post Sep 29 2017, 11:18 PM

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QUOTE(tan_aniki @ Sep 29 2017, 10:51 PM)
i'm wondering if getting WMC as well and supp both to my wife, does it mean i can enter PPL in HK for my 2 kids as well?
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Nope. Supp is only for that person, if principal can sign for others. So you need 3 principals+1 supp (wife).
pisang
post Sep 30 2017, 07:38 AM

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QUOTE(cybpsych @ Sep 29 2017, 11:58 AM)
this was just discussed last week.

contact bank first. else, if they refuse, escalate to BNM.
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QUOTE(fruitie @ Sep 29 2017, 11:58 AM)
Nope. After you complain to BNM, there is a chance.
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thanks. i shall try again.


QUOTE(kenny79 @ Sep 29 2017, 12:52 PM)
Why u set rmfor rm1..rm50 is reasonable .. rm1 wan which time u spend u will get a alert ..
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yeah, the point is i want to be notified for almost all transaction via SMS.
at least it works for my MBB and PBB cc.

kenny79
post Sep 30 2017, 08:38 AM

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QUOTE(fruitie @ Sep 29 2017, 11:18 PM)
Nope. Supp is only for that person, if principal can sign for others. So you need 3 principals+1 supp (wife).
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Ermm I got the Ambank VI and Ambonus Signature .. wish to go to Phuket this end of year with family .. I think if one card can assign a ppl to ppl I need extra two card . So I need to apply the emcee and supp one card to my wife to
KeSToN
post Sep 30 2017, 10:18 AM

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QUOTE(cybpsych @ Sep 6 2017, 09:36 PM)
still ok geh. not many ppl carry ambank cards mah, let alone use for petrol. assuming min rm50 pump each day, got 200 cards eligible.

max rm200 cashback (rm100 per campaign period) can be earned until feb 2018. kinda ok.
T&C #20 to be aware of... better pray the merchant really post the transactions fast, everytime  laugh.gif

// 20. All Eligible Transactions within the Campaign Duration must be based on Malaysian time as captured by the Bank’s transaction records and posted to the Participants’ Card account within five (5) calendar days from the date of the transactions. The Bank is not responsible in any manner whatsoever for any failure and/or delay in the transmission of evidence of sales transactions by Mastercard, Visa, merchant establishments or any other party. //
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QUOTE(janson_kaniaz @ Sep 6 2017, 09:45 PM)
I find that clause stupid. It's not like Ambank will bank in the cashback that fast. Why add in such stupid clause for no reason?
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latest statement just came out
petrol transaction posted within 2-3 days
i went and pump 7am
first customer early morning (twice)

cashback will only be given next month?
tan_aniki
post Sep 30 2017, 10:20 AM

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QUOTE(fruitie @ Sep 29 2017, 11:18 PM)
Nope. Supp is only for that person, if principal can sign for others. So you need 3 principals+1 supp (wife).
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what i mean is i got VI and WMC and supp VI and WMC to my wife, so i can bring one kid with me while my wife bring another with her, izzit ok?
SzeMeng76
post Sep 30 2017, 10:36 AM

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QUOTE(tan_aniki @ Sep 30 2017, 10:20 AM)
what i mean is i got VI and WMC and supp VI and WMC to my wife, so i can bring one kid with me while my wife bring another with her, izzit ok?
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Nope. supp card only can be use for herself as per Fruitie.
So even she had 2 cards, she also cant bring anyone in.
Only principal can bring.
U can get yourself 3 cards, or ask your wife apply her one.

This post has been edited by SzeMeng76: Sep 30 2017, 10:37 AM
tan_aniki
post Sep 30 2017, 11:22 AM

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QUOTE(SzeMeng76 @ Sep 30 2017, 10:36 AM)
Nope. supp card only can be use for herself as per Fruitie.
So even she had 2 cards, she also cant bring anyone in.
Only principal can bring.
U can get yourself 3 cards, or ask your wife apply her one.
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oic, then i better get the HSBC VS as well for HK PPL entry

PS: how will they know my wife is supp card at the PPL?

This post has been edited by tan_aniki: Sep 30 2017, 02:14 PM
Nepo
post Oct 2 2017, 04:18 PM

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I have applied for these World Mastercard & Visa Infinity cards recently but not successful. I have provided them with two mth payslips and bank statement. No phone call to verify and they just rejected my application though my monthly salary is over 10k.

Any other ways to get the cards?


Leroi2x
post Oct 2 2017, 10:09 PM

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QUOTE(Nepo @ Oct 2 2017, 04:18 PM)
I have applied for these World Mastercard & Visa Infinity cards recently but not successful.  I have provided them with two mth payslips and bank statement. No phone call to verify and they just rejected my application though my monthly salary is over 10k.

Any other ways to get the cards?
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if not payment MIA, not commitment ,not CTOS
then probably would be risk grade scoring
you may try apply again after few month

tan_aniki
post Oct 3 2017, 06:10 AM

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QUOTE(Nepo @ Oct 2 2017, 04:18 PM)
I have applied for these World Mastercard & Visa Infinity cards recently but not successful.  I have provided them with two mth payslips and bank statement. No phone call to verify and they just rejected my application though my monthly salary is over 10k.

Any other ways to get the cards?
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go roadshow find a marketing staff to assist you.
for me, i also got rejected last year even though i got RM120k pa, but after deal with the agent, he told me that the system reject because i got others thing committed for installment.
After i show them the pay slip from Jan to Aug that i got extra RM10k to RM20k allowance from offshore, then only they approved last week.
i just got my card yesterday but quite troublesome unlike others bank, need to wait for two days for the temporary pin to sms to me in order to create online banking acc...
Nepo
post Oct 3 2017, 07:51 AM

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QUOTE(Leroi2x @ Oct 2 2017, 10:09 PM)
if not payment MIA, not commitment ,not CTOS
then probably would be risk grade scoring
you may try apply again after few month
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Though get some bank loans over RM 1 million...but all the installments were paid in time. No CTOS, no late payment. no credit cards outstanding balance.CCRIS records are zero till now.
MIA stands for?

This post has been edited by Nepo: Oct 3 2017, 07:56 AM
Nepo
post Oct 3 2017, 07:59 AM

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QUOTE(tan_aniki @ Oct 3 2017, 06:10 AM)
go roadshow find a marketing staff to assist you.
for me, i also got rejected last year even though i got RM120k pa, but after deal with the agent, he told me that the system reject because i got others thing committed for installment.
After i show them the pay slip from Jan to Aug that i got extra RM10k to RM20k allowance from offshore, then only they approved last week.
i just got my card yesterday but quite troublesome unlike others bank, need to wait for two days for the temporary pin to sms to me in order to create online banking acc...
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Thanks for sharing the experience.
Leroi2x
post Oct 3 2017, 08:27 AM

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QUOTE(Nepo @ Oct 3 2017, 07:51 AM)
Though get some bank loans over RM 1 million...but all the installments were paid in time. No CTOS, no late payment. no credit cards outstanding balance.CCRIS records are zero till now.
MIA stands for?
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Mia payment = late payment or no payment
How about ur commitment?
Monthly commitment for credit facility / monthly income
How many % ?
Nepo
post Oct 3 2017, 08:38 AM

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QUOTE(Leroi2x @ Oct 3 2017, 08:27 AM)
Mia payment = late payment or no payment
How about ur commitment?
Monthly commitment for credit facility / monthly income
How many % ?
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Roughly around 70% of the net income...maybe this consider as high risk profile...
Leroi2x
post Oct 3 2017, 07:47 PM

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QUOTE(Nepo @ Oct 3 2017, 08:38 AM)
Roughly around 70% of the net income...maybe this consider as high risk profile...
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If all ok,then mostly either high commitment or risk grade ~
U got any facility on amb?
pisang
post Oct 3 2017, 10:42 PM

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i received a sms about increase credit limit.
https://www.ambank.com.my/eng/deals-page/CreditLimitIncrease

wondering why AMbank want to do this? i don't see this kind of 'deal' from other banks. Maybe just that i dunno.
SzeMeng76
post Oct 4 2017, 12:18 AM

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QUOTE(pisang @ Oct 3 2017, 10:42 PM)
i received a sms about increase credit limit.
https://www.ambank.com.my/eng/deals-page/CreditLimitIncrease

wondering why AMbank want to do this? i don't see this kind of 'deal' from other banks. Maybe just that i dunno.
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It's normal. Many bank do this too.

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